255 S Main St, Pontotoc, MS 38863 Property Records

Pontotoc County property record for 255 S Main St, Pontotoc, MS 38863

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,556 sqft · built 1965
Lot Size	1.11 acres (48,352 sqft)
Owner	Individual Name on File
Last Sale	$138,800 (Jul 2016)
Tax Bill	$1,882 (2025)
Deeds & Mortgages	May 2023 Mortgage Feb 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`174C-04-07-007`

Property Details

APN / Parcel Number

Primary APN	`174C-04-07-007`
Alternative APN	`11407`

Interior

Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	1,556 sqft Living Area
1st Floor Area	1,556 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	48,352 sqft (1.11 acres)
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	11407
Street Address	255 S MAIN ST
City	PONTOTOC
State	MS
Zip	38863-3319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.11 AC LT16 & 42 SPP SW1/4 224-232; 2370166; 232-27; 224-231 371-56; 371-58; 324-168; 326-33 354-174; 20064010 8/19/06
Legal Range	03E
Legal Township	10S
Legal Section	04
Legal Lot Number	16,42
Jurisdiction	PONTOTOC MS
Township / Civil Division	5
Census Block Group	4
Census Block	4023
Census Tract	950300

Owner

255 S Main St is owned and occupied by an individual who bought it in July 2016.

Source: Pontotoc County records, as of July 13, 2026

Owner of Record	Individual Name on File
Mailing Address	255 S MAIN ST, PONTOTOC, MS 38863-3319
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 9, 2023	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 11, 2026	Special Warranty Deed, Transfer · Closed-End Mortgage FIRST CHOICE BANK
Jul 5, 2016	Warranty Deed, Transfer HAMILTON MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2016 · Amount on File
Deed Sale	Jul 5, 2016 · Amount on File
Deed Document Number	20163111
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	255 S MAIN ST, PONTOTOC, MS 38863-3319
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50260 OLD COLUMBUS RD, ABERDEEN, MS 39730-9617
Investor	Possibly a Property Investor

Mortgage

Document Number	2023001569
Date	May 9, 2023
Instrument	2023001569

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

February 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	PONTOTOC MS
Recording Date	Feb 11, 2026
Property Address	255 S MAIN ST, PONTOTOC, MS 38863-3319
Document Number	2026000542
Instrument Date	Jan 28, 2026
Instrument	2026000542
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 VERMONT AVE NW, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	483 W REYNOLDS ST, PONTOTOC, MS 38863-1838

Mortgage

Document Number	2026000543
Date	Feb 11, 2026
Instrument	2026000543

Lender

Name	FIRST CHOICE BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2056

July 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC MS
Recording Date	Jul 5, 2016
Property Address	255 S MAIN ST, PONTOTOC, MS 38863-3319
Document Number	2016003111
Instrument Date	Jun 30, 2016
Instrument	2016003111
Transaction Type	Transfer
Record Updated	Sep 12, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	255 S MAIN ST, PONTOTOC, MS 38863-3319

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	255 S MAIN ST, PONTOTOC, MS 38863-3319

Mortgage

Document Number	2016003112
Date	Jul 5, 2016
Instrument	2016003112

Lender

Name	HAMILTON MORTGAGE CORP
Type	Mortgage Company
Address	BIRMINGHAM, AL 35209

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 255 S Main St was $1,882, up 3.9% from the year before.

Source: Pontotoc County assessment roll, as of October 31, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Pontotoc County
Municipality	Pontotoc City
Unified School District	Pontotoc City Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,882.00 (+3.92%)	$14,175 (-)	$94,501 (-) Land $15,000 Building $79,501
2024	$1,811.00 (+51.04%)	$14,175 (+50.73%)	$94,501 (+2.07%) Land $15,000 Building $79,501
2023	$1,199.00 Homeowner's exemption	$9,404	$92,582 Land $15,000 Building $77,582

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 255 S Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 19, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 255 S Main St is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 60% of Mississippi
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Fiber · Cable in parts of the area	10,000 / 10,000
Tombigbee Fiber Fiber	2,000 / 1,000
Verizon Fixed Wireless	300 / 20
C Spire Wireless Fixed Wireless	100 / 20

May also be available: AT&T.

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